company background image
UBFO logo

United Security Bancshares NasdaqGS:UBFO Stock Report

Last Price

US$9.57

Market Cap

US$165.8m

7D

-4.7%

1Y

20.1%

Updated

02 Feb, 2025

Data

Company Financials

United Security Bancshares

NasdaqGS:UBFO Stock Report

Market Cap: US$165.8m

UBFO Stock Overview

Operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. More details

UBFO fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends3/6

Rewards

Risk Analysis

No risks detected for UBFO from our risk checks.

My Notes

Capture your thoughts, links and company narrative

United Security Bancshares Competitors

Price History & Performance

Summary of share price highs, lows and changes for United Security Bancshares
Historical stock prices
Current Share PriceUS$9.57
52 Week HighUS$10.49
52 Week LowUS$7.02
Beta0.57
1 Month Change-2.84%
3 Month Change11.02%
1 Year Change20.08%
3 Year Change16.71%
5 Year Change-4.59%
Change since IPO400.57%

Recent News & Updates

United Security Bancshares (NASDAQ:UBFO) Has Affirmed Its Dividend Of $0.12

Sep 29
United Security Bancshares (NASDAQ:UBFO) Has Affirmed Its Dividend Of $0.12

Recent updates

United Security Bancshares (NASDAQ:UBFO) Has Affirmed Its Dividend Of $0.12

Sep 29
United Security Bancshares (NASDAQ:UBFO) Has Affirmed Its Dividend Of $0.12

United Security Bancshares (NASDAQ:UBFO) Is Paying Out A Dividend Of $0.12

Jul 01
United Security Bancshares (NASDAQ:UBFO) Is Paying Out A Dividend Of $0.12

United Security Bancshares (NASDAQ:UBFO) Will Pay A Dividend Of $0.12

Oct 01
United Security Bancshares (NASDAQ:UBFO) Will Pay A Dividend Of $0.12

United Security Bancshares (NASDAQ:UBFO) Is Paying Out A Larger Dividend Than Last Year

Jul 02
United Security Bancshares (NASDAQ:UBFO) Is Paying Out A Larger Dividend Than Last Year

United Security Bancshares (NASDAQ:UBFO) Has Affirmed Its Dividend Of $0.11

Apr 02
United Security Bancshares (NASDAQ:UBFO) Has Affirmed Its Dividend Of $0.11

United Security Bancshares (NASDAQ:UBFO) Has Announced A Dividend Of $0.11

Dec 25
United Security Bancshares (NASDAQ:UBFO) Has Announced A Dividend Of $0.11

United Security Bancshares GAAP EPS of $0.26, revenue of $13.12M

Oct 20

United Security Bancshares GAAP EPS of $0.20, revenue of $11.01M

Jul 20

United Security Bancshares' (NASDAQ:UBFO) Dividend Will Be US$0.11

Jul 05
United Security Bancshares' (NASDAQ:UBFO) Dividend Will Be US$0.11

United Security Bancshares declares $0.11 dividend

Jun 30

United Security Bancshares' (NASDAQ:UBFO) Dividend Will Be US$0.11

Mar 29
United Security Bancshares' (NASDAQ:UBFO) Dividend Will Be US$0.11

United Security Bancshares' (NASDAQ:UBFO) Dividend Will Be US$0.11

Oct 04
United Security Bancshares' (NASDAQ:UBFO) Dividend Will Be US$0.11

United Security Bancshares (NASDAQ:UBFO) Will Pay A Dividend Of US$0.11

Jun 28
United Security Bancshares (NASDAQ:UBFO) Will Pay A Dividend Of US$0.11

Should Shareholders Reconsider United Security Bancshares' (NASDAQ:UBFO) CEO Compensation Package?

May 13
Should Shareholders Reconsider United Security Bancshares' (NASDAQ:UBFO) CEO Compensation Package?

Should You Or Shouldn't You: A Dividend Analysis on United Security Bancshares (NASDAQ:UBFO)

Mar 09
Should You Or Shouldn't You: A Dividend Analysis on United Security Bancshares (NASDAQ:UBFO)

Is United Security Bancshares (NASDAQ:UBFO) Popular Amongst Insiders?

Feb 02
Is United Security Bancshares (NASDAQ:UBFO) Popular Amongst Insiders?

There's A Lot To Like About United Security Bancshares' (NASDAQ:UBFO) Upcoming US$0.11 Dividend

Dec 28
There's A Lot To Like About United Security Bancshares' (NASDAQ:UBFO) Upcoming US$0.11 Dividend

Shareholders Of United Security Bancshares (NASDAQ:UBFO) Must Be Happy With Their 63% Return

Dec 22
Shareholders Of United Security Bancshares (NASDAQ:UBFO) Must Be Happy With Their 63% Return

United Security Bancshares declares $0.11 dividend

Dec 16

Shareholder Returns

UBFOUS BanksUS Market
7D-4.7%0.9%-0.8%
1Y20.1%41.1%22.7%

Return vs Industry: UBFO underperformed the US Banks industry which returned 41.1% over the past year.

Return vs Market: UBFO underperformed the US Market which returned 22.7% over the past year.

Price Volatility

Is UBFO's price volatile compared to industry and market?
UBFO volatility
UBFO Average Weekly Movement2.9%
Banks Industry Average Movement5.1%
Market Average Movement6.4%
10% most volatile stocks in US Market18.7%
10% least volatile stocks in US Market3.2%

Stable Share Price: UBFO has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: UBFO's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1987114Dennis Woodswww.unitedsecuritybank.com

United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also provides real estate mortgage, commercial and industrial, real estate construction and development, and consumer loans, as well as agricultural, installment, and student loans.

United Security Bancshares Fundamentals Summary

How do United Security Bancshares's earnings and revenue compare to its market cap?
UBFO fundamental statistics
Market capUS$165.78m
Earnings (TTM)US$14.78m
Revenue (TTM)US$48.60m

11.2x

P/E Ratio

1.3x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UBFO income statement (TTM)
RevenueUS$48.60m
Cost of RevenueUS$0
Gross ProfitUS$48.60m
Other ExpensesUS$33.82m
EarningsUS$14.78m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)0.85
Gross Margin100.00%
Net Profit Margin30.42%
Debt/Equity Ratio8.9%

How did UBFO perform over the long term?

See historical performance and comparison

Dividends

5.0%

Current Dividend Yield

56%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/02 11:05
End of Day Share Price 2025/01/31 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

United Security Bancshares is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution